Frequently Asked Questions

We’re here to help! Get answers to your questions here in our FAQ, or contact us directly if there’s something else we can help answer for you.

About RHF

Getting Started

  • Where do I begin?

    Whether you’re looking to buy or refinance, your first step is figuring out your budget. You can “Get Started” with us at the top right-hand corner of the page with a short questionnaire. Once complete, one of our loan advisors will contact you to talk about the next steps. We look forward to hearing from you!

  • How do I get started with RHF?

    Start by filling out an online application or by giving us a call. Once we get some background on your situation, we’ll start by getting you pre-approved for a mortgage.

  • What does it mean to get pre-approved?

    Pre-approval is a formal review of your finances that gives you a precise range that you can afford when purchasing a home. To learn more, read our Mortgage 101 article on pre-approvals.

  • Why should I get pre-approved?

    Pre-approval gives you confidence in what price range will work best for you and will tell potential sellers that you’re serious about purchasing a home.

About Our Services


  • What is RHF Go?

    RHF Go is a free mobile app offered by us so you can keep up-to-date on your mortgage while you’re on the go! 

  • Why should I download RHF Go?

    Here are the benefits of the RHF Go app:

    • Calculate payments easily
    • Learn more about the home buying process 
    • Securely scan and upload documents
    • Message your loan officer instantly
    • Sign initial disclosures
    • Get updates as you go

Documents Needed For Pre-Approval

  • What documents do I need to get pre-approved for a home loan?

    Here’s what you’ll need to get started with your pre-approval:

    • Photo ID
    • 2 Years of W2s
    • Recent Pay Stub Covering a 30-day Period
    • Recent Bank Statements  
    • Completed Mortgage Application
  • What if I’m self-employed?
    • 2 Years of Personal Federal Tax Returns
    • 2 Years of Business Federal Tax Returns
    • Photo ID
    • Recent Bank Statements 
    • Completed Mortgage Application
  • What if I’m a retiree?
    • 2 Years of Federal Tax Returns/1099R forms
    • Photo ID
    • Social Security Award Letter
    • Pension Award Letter
    • Recent Bank Statements 
    • Completed Mortgage Application


  • What is refinancing?

    Refinancing is taking your current loan and replacing it with a new one, whether to lower your interest rate, lower your monthly payment, or another refinancing option.  Check out our Mortgage 101 article to learn more about refinancing.

  • Why should I refinance?

    Here’s a list of reasons to refinance:

    • Lower your monthly payment
    • Lower your interest rate
    • Change the terms from adjustable interest rate to a fixed interest rate
    • Change the length of your loan
    • Get cash-out from the equity of your home
  • When should I refinance?

    If you’re thinking about refinancing, our Loan Originators can help! Whether you’re looking for a cash-out refinance or want to lower your monthly payment, we’ll take you through your options.

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